Guidewire Software, Inc. (GWRE) 10-Year Financial Performance & Capital Metrics

GWRE •

TechnologyApplication SoftwareFinancial services and insurance software

AboutGuidewire Software, Inc. provides software products for property and casualty insurers worldwide. The company offers Guidewire InsuranceSuite comprising Guidewire PolicyCenter, BillingCenter, and ClaimCenter applications. It also provides Guidewire InsuranceNow, a cloud-based platform that offers policy, billing, and claims management functionality to insurers; and Guidewire InsuranceSuite for Self-Managed. In addition, the company offers Guidewire Rating Management to manage the pricing of insurance products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management to capitalize on customer information; and Guidewire Product Content Management that offers software tools and standards-based line-of-business templates to introduce and modify products. Further, it provides Guidewire Underwriting Management, a cloud-based integrated business application; Guidewire AppReader, a submission intake management solution; Guidewire ClaimCenter Package for the London market supports the claims workflow used by London Market insurers and brokers; Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences to customers, agents, vendors, and field personnel through their device of choice; and Guidewire for Salesforce to provide customer information regarding policies and claims. Additionally, the company offers Guidewire Predictive Analytics, a set of cloud-native applications; Guidewire Risk Insights that allows insurers to assess new and evolving risks; Guidewire Business Intelligence that allows insurers to measure business performance; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse, as well as implementation and integration, and professional services. The company was founded in 2001 and is headquartered in San Mateo, California.Show more

Revenue $1.2B +22.6%
EBITDA $65M +314.2%
Net Income $70M +1243.8%
EPS (Diluted) 0.81 +1191.6%
Gross Margin 62.54% +5.1%
EBITDA Margin 5.39% +274.7%
Operating Margin 3.42% +163.7%
Net Margin 5.81% +1032.7%
ROE 4.99% +1138.6%
ROIC 2.27% +171.6%
Debt/Equity 0.49 +48.9%
Interest Coverage 3.11 +139.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓FCF machine: 24.5% free cash flow margin
✓High quality earnings: Operating CF exceeds net income
✓Strong 5Y sales CAGR of 10.1%

✗Weaknesses

✗Weak momentum: RS Rating 13 (bottom 13%)
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y12.19%

5Y10.13%

3Y13.95%

TTM22.8%

Profit (Net Income) CAGR

10Y21.59%

5Y-

3Y-

TTM205.49%

EPS CAGR

10Y19.19%

5Y-

3Y-

TTM191.67%

ROCE

10Y Avg-2.1%

5Y Avg-4.93%

3Y Avg-3.16%

Latest2.3%

Peer Comparison

Financial services and insurance software

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GWREGuidewire Software, Inc.	12.28B	145.32	179.41	22.64%	7.23%	6%	2.4%	0.49
QTWOQ2 Holdings, Inc.	3.01B	48.12	60.15	14.12%	4.12%	5.09%	6.47%	0.52
FICOFair Isaac Corporation	33.49B	1409.36	53.10	15.91%	31.89%		2.3%
SPNSSapiens International Corporation N.V.	2.43B	43.45	33.68	5.4%	11.4%	12.2%	2.97%	0.13
INTUIntuit Inc.	114.17B	409.03	29.92	15.63%	21.57%	22.78%	5.33%	0.34
OPFIOppFi Inc.	589.26M	9.18	25.50	3.34%	0.68%	1.4%	52.74%	1.42
BLBlackLine, Inc.	2.21B	35.25	24.31	10.74%	3.5%	6.6%	8.52%	1.90
SSNCSS&C Technologies Holdings, Inc.	18.33B	75.29	23.90	6.63%	13.86%	12.2%	9.08%	0.03

Profit & Loss

	Jul 2016	Jul 2017	Jul 2018	Jul 2019	Jul 2020	Jul 2021	Jul 2022	Jul 2023	Jul 2024	Jul 2025
Sales/Revenue+	424.45M	514.28M	661.07M	719.51M	742.31M	743.27M	812.61M	905.34M	980.5M	1.2B
Revenue Growth %	11.54%	21.17%	28.54%	8.84%	3.17%	0.13%	9.33%	11.41%	8.3%	22.64%
Cost of Goods Sold+	151.83M	191.56M	296.78M	324.35M	338.01M	353.71M	435.44M	447.13M	397.14M	450.41M
COGS % of Revenue	35.77%	37.25%	44.89%	45.08%	45.54%	47.59%	53.58%	49.39%	40.5%	37.46%
Gross Profit+	272.61M	317.97M	356.07M	395.16M	404.29M	389.56M	377.18M	458.21M	583.36M	752.05M
Gross Margin %	64.23%	61.83%	53.86%	54.92%	54.46%	52.41%	46.42%	50.61%	59.5%	62.54%
Gross Profit Growth %	16.82%	16.64%	11.98%	10.98%	2.31%	-3.64%	-3.18%	21.48%	27.31%	28.92%
Operating Expenses+	256.18M	296.11M	371.69M	393.69M	428.18M	495.14M	576.62M	607.7M	635.93M	710.99M
OpEx % of Revenue	60.36%	57.58%	56.23%	54.72%	57.68%	66.62%	70.96%	67.12%	64.86%	59.13%
Selling, General & Admin	143.68M	165.79M	200.03M	205.15M	227.6M	293.68M	347.39M	357.95M	366.55M	414.82M
SG&A % of Revenue	33.85%	32.24%	30.26%	28.51%	30.66%	39.51%	42.75%	39.54%	37.38%	34.5%
Research & Development	112.5M	130.32M	171.66M	188.54M	200.57M	201.47M	229.23M	249.75M	269.38M	296.16M
R&D % of Revenue	26.5%	25.34%	25.97%	26.2%	27.02%	27.11%	28.21%	27.59%	27.47%	24.63%
Other Operating Expenses	0	0	0	0	0	0	0	0	0	0
Operating Income+	16.44M	26.61M	-7.33M	1.47M	-23.89M	-105.58M	-199.45M	-149.49M	-52.57M	41.07M
Operating Margin %	3.87%	5.17%	-1.11%	0.2%	-3.22%	-14.21%	-24.54%	-16.51%	-5.36%	3.42%
Operating Income Growth %	-0.34%	61.9%	-127.54%	120.07%	-1723.79%	-342.03%	-88.9%	25.05%	64.83%	178.12%
EBITDA+	25.28M	45.34M	28.28M	41.42M	18.75M	-68.63M	-165.91M	-124.65M	-30.26M	64.83M
EBITDA Margin %	5.96%	8.82%	4.28%	5.76%	2.53%	-9.23%	-20.42%	-13.77%	-3.09%	5.39%
EBITDA Growth %	5.45%	79.35%	-37.62%	46.47%	-54.72%	-465.92%	-141.74%	24.87%	75.72%	314.2%
D&A (Non-Cash Add-back)	8.84M	18.73M	35.61M	39.95M	42.64M	36.95M	33.54M	24.84M	22.31M	23.76M
EBIT	20.78M	28.54M	-1.83M	29.79M	-6.39M	-85.57M	-210.27M	-127.38M	-20.1M	62.61M
Net Interest Income+	4.85M	5.85M	6.84M	12.85M	6.76M	-11.32M	-13.17M	17.67M	36.74M	43.41M
Interest Income	4.85M	5.85M	13.28M	30.18M	24.7M	7.39M	6.28M	24.39M	43.48M	56.63M
Interest Expense	0	0	6.44M	17.33M	17.95M	18.71M	19.45M	6.72M	6.74M	13.21M
Other Income/Expense	4.34M	6.67M	7.35M	10.98M	-445K	1.3M	-30.27M	15.4M	25.73M	8.33M
Pretax Income+	20.78M	33.28M	18K	12.45M	-24.33M	-104.28M	-229.72M	-134.09M	-26.84M	49.4M
Pretax Margin %	4.9%	6.47%	0%	1.73%	-3.28%	-14.03%	-28.27%	-14.81%	-2.74%	4.11%
Income Tax+	5.81M	12.05M	18.47M	-8.28M	2.87M	-37.77M	-49.28M	-22.24M	-20.73M	-20.41M
Effective Tax Rate %	72.06%	63.78%	-109250%	166.5%	111.78%	63.78%	78.55%	83.42%	22.74%	141.32%
Net Income+	14.98M	21.22M	-19.66M	20.73M	-27.2M	-66.51M	-180.43M	-111.86M	-6.1M	69.8M
Net Margin %	3.53%	4.13%	-2.97%	2.88%	-3.66%	-8.95%	-22.2%	-12.35%	-0.62%	5.81%
Net Income Growth %	51.5%	41.72%	-192.65%	205.43%	-231.19%	-144.53%	-171.3%	38.01%	94.54%	1243.77%
Net Income (Continuing)	14.98M	18.07M	-26.74M	20.73M	-27.2M	-66.51M	-180.43M	-111.86M	-6.1M	69.8M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
EPS (Diluted)+	0.20	0.24	-0.25	0.25	-0.33	-0.80	-2.16	-1.36	-0.07	0.81
EPS Growth %	42.86%	20%	-204.17%	200%	-232%	-142.42%	-170%	37.04%	94.54%	1191.64%
EPS (Basic)	0.21	0.24	-0.25	0.25	-0.33	-0.80	-2.16	-1.36	-0.07	0.83
Diluted Shares Outstanding	73.77M	75.33M	77.71M	82.68M	82.86M	83.58M	83.57M	82.18M	82.29M	85.91M
Basic Shares Outstanding	72.03M	74M	77.71M	82.68M	82.86M	83.58M	83.57M	82.18M	82.29M	83.85M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-

Balance Sheet

	Jul 2016	Jul 2017	Jul 2018	Jul 2019	Jul 2020	Jul 2021	Jul 2022	Jul 2023	Jul 2024	Jul 2025
Total Current Assets+	707.67M	679.24M	1.22B	1.33B	1.34B	1.36B	1.25B	1.1B	1.3B	1.51B
Cash & Short-Term Investments	628.24M	573.2M	1.07B	1.12B	1.13B	1.12B	976.17M	798.68M	1B	1.15B
Cash Only	223.58M	263.18M	437.14M	254.1M	366.97M	384.91M	606.3M	401.81M	547.99M	699.1M
Short-Term Investments	404.65M	310.03M	630.01M	870.14M	766.53M	734.52M	369.87M	396.87M	455.58M	451.54M
Accounts Receivable	62.79M	79.43M	131.53M	184.77M	174.77M	192.92M	227.45M	256.49M	242.18M	271.6M
Days Sales Outstanding	54	56.38	72.63	93.73	85.93	94.74	102.16	103.41	90.15	82.44
Inventory	0	0	0	0	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-	-
Other Current Assets	0	0	9.07M	14.04M	17.99M	22.61M	24.81M	22.67M	24M	86.37M
Total Non-Current Assets+	208.51M	399.66M	756.09M	831.99M	1.02B	966.56M	1.01B	928.28M	930.76M	1.21B
Property, Plant & Equipment	12.96M	14.38M	18.59M	65.81M	169.03M	177.51M	171.03M	106.87M	99.16M	99.75M
Fixed Asset Turnover	32.76x	35.77x	35.55x	10.93x	4.39x	4.19x	4.75x	8.47x	9.89x	12.06x
Goodwill	30.08M	141.85M	340.88M	340.88M	340.88M	340.88M	372.19M	372.21M	372.21M	393.98M
Intangible Assets	14.2M	71.31M	95.65M	66.54M	39.71M	19.74M	21.36M	14.47M	9.01M	12.04M
Long-Term Investments	107.56M	114.58M	201.62M	224.2M	301.94M	230.72M	205.53M	156.55M	148.29M	334.42M
Other Non-Current Assets	12.34M	20.1M	11.85M	44.26M	68.52M	59.28M	52.62M	51.3M	49.01M	76.26M
Total Assets+	916.18M	1.08B	1.98B	2.17B	2.36B	2.32B	2.27B	2.03B	2.23B	2.72B
Asset Turnover	0.46x	0.48x	0.33x	0.33x	0.31x	0.32x	0.36x	0.45x	0.44x	0.44x
Asset Growth %	14.53%	17.76%	83.39%	9.52%	9.13%	-1.82%	-2.37%	-10.54%	9.78%	22.23%
Total Current Liabilities+	119.08M	163.62M	225.19M	232.27M	225.2M	300.31M	337.52M	373.26M	837.63M	544.8M
Accounts Payable	9.93M	13.42M	30.64M	34.26M	22.63M	27.83M	40.44M	34.63M	15.21M	28.8M
Days Payables Outstanding	23.87	25.56	37.68	38.55	24.44	28.72	33.9	28.27	13.98	23.34
Short-Term Debt	0	0	0	0	0	0	0	0	398.9M	10.44M
Deferred Revenue (Current)	60.27M	91.24M	114.14M	108.3M	118.31M	138.7M	170.78M	206.92M	281.86M	340.25M
Other Current Liabilities	48.88M	58.96M	80.42M	79.73M	62.85M	107.84M	96.92M	112.82M	118.01M	16.67M
Current Ratio	5.94x	4.15x	5.43x	5.75x	5.96x	4.51x	3.71x	2.95x	1.55x	2.77x
Quick Ratio	5.94x	4.15x	5.43x	5.75x	5.96x	4.51x	3.71x	2.95x	1.55x	2.77x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	13.16M	22M	329.66M	360.49M	482.89M	476.64M	477.72M	455.16M	45.93M	719.07M
Long-Term Debt	0	0	305.13M	317.32M	330.21M	343.82M	358.22M	397.17M	0	674.57M
Capital Lease Obligations	0	0	0	0	119.41M	115.37M	105.12M	42.97M	34.72M	30.69M
Deferred Tax Liabilities	0	0	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	3.42M	2.11M	774K	19.64M	18.59M	10.2M	6.88M	9.03M	7.58M	9.28M
Total Liabilities	132.24M	185.62M	554.85M	592.76M	708.08M	776.95M	815.24M	828.42M	883.56M	1.26B
Total Debt+	0	0	305.13M	317.32M	460.55M	470.82M	475.58M	448.58M	442.92M	715.69M
Net Debt	-223.58M	-263.18M	-132.01M	63.22M	93.58M	85.91M	-130.73M	46.76M	-105.07M	16.59M
Debt / Equity	-	-	0.21x	0.20x	0.28x	0.30x	0.33x	0.37x	0.33x	0.49x
Debt / EBITDA	-	-	10.79x	7.66x	24.56x	-	-	-	-	11.04x
Net Debt / EBITDA	-8.84x	-5.80x	-4.67x	1.53x	4.99x	-	-	-	-	0.26x
Interest Coverage	-	-	-1.14x	0.08x	-1.33x	-5.64x	-10.26x	-22.26x	-7.80x	3.11x
Total Equity+	783.93M	893.28M	1.42B	1.57B	1.66B	1.54B	1.45B	1.2B	1.34B	1.46B
Equity Growth %	13.71%	13.95%	59.38%	10.57%	5.24%	-6.75%	-6.04%	-17.37%	11.94%	8.53%
Book Value per Share	10.63	11.86	18.32	19.04	20.00	18.48	17.37	14.60	16.32	16.96
Total Shareholders' Equity	783.93M	893.28M	1.42B	1.57B	1.66B	1.54B	1.45B	1.2B	1.34B	1.46B
Common Stock	7K	8K	8K	8K	8K	8K	8K	8K	8K	8K
Retained Earnings	47.83M	69.06M	133.5M	190.05M	162.96M	-66.1M	-283.98M	-617.95M	-624.05M	-554.25M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Accumulated OCI	-6.59M	-5.8M	-7.75M	-7.76M	-5.25M	-6.22M	-19.84M	-13.86M	-12.24M	-8.92M
Minority Interest	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Jul 2016	Jul 2017	Jul 2018	Jul 2019	Jul 2020	Jul 2021	Jul 2022	Jul 2023	Jul 2024	Jul 2025
Cash from Operations+	99.9M	137.16M	140.46M	116.13M	113.07M	111.59M	-37.94M	38.4M	195.75M	300.87M
Operating CF Margin %	23.54%	26.67%	21.25%	16.14%	15.23%	15.01%	-4.67%	4.24%	19.96%	25.02%
Operating CF Growth %	56.89%	37.3%	2.4%	-17.32%	-2.64%	-1.31%	-134%	201.2%	409.83%	53.7%
Net Income	14.98M	21.22M	-19.66M	20.73M	-27.2M	-66.51M	-180.43M	-111.86M	-6.1M	69.8M
Depreciation & Amortization	8.84M	18.73M	35.61M	39.95M	42.64M	36.95M	33.54M	24.84M	22.31M	23.76M
Stock-Based Compensation	66.13M	71.79M	89.61M	91.52M	101.82M	115.01M	137.01M	142.84M	146.46M	161.56M
Deferred Taxes	-4.57M	-1.23M	15.34M	-14M	-11.86M	-35.79M	-54.12M	-27.52M	-26.85M	-31.78M
Other Non-Cash Items	-4.59M	-6.01M	4.16M	10.81M	32.67M	32.72M	35.46M	24.15M	7.26M	66.22M
Working Capital Changes	19.11M	37.4M	23.67M	-32.89M	-25.01M	29.2M	-9.4M	-14.06M	52.67M	11.31M
Change in Receivables	-75K	-9.75M	-40.83M	-32.4M	-14.25M	-8.37M	-24.44M	-20.74M	20.31M	-42.28M
Change in Inventory	0	0	0	0	0	0	0	0	0	0
Change in Payables	603K	1.31M	16.79M	-5.52M	-1.21M	3.63M	13.58M	-6.08M	-18.93M	11.4M
Cash from Investing+	-101.25M	-113.34M	-537.58M	-301.43M	-5.8M	64.19M	312.21M	12.71M	-52.36M	-236.97M
Capital Expenditures	-7.11M	-6.67M	-12.01M	-48.86M	-25.66M	-28.85M	-21.78M	-17.43M	-6.36M	-5.74M
CapEx % of Revenue	1.68%	1.3%	1.82%	6.79%	3.46%	3.88%	2.68%	1.92%	0.65%	0.48%
Acquisitions	-39.53M	-187.59M	-130.06M	3.94M	4.28M	9.85M	-43.83M	10.84M	0	-26.85M
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	-54.61M	80.13M	-398.13M	-3.94M	-4.28M	-9.85M	0	-10.84M	-13.5M	-12.81M
Cash from Financing+	13.45M	14.63M	573M	3.95M	4.96M	-159.39M	-37.34M	-261.58M	1.05M	82.29M
Debt Issued (Net)	0	0	387.24M	0	0	0	0	0	0	134.29M
Equity Issued (Net)	1000K	1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K	1000K	1000K
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-1.49M	0	0	0	0	-161.32M	-37.45M	-261.81M	0	0
Other Financing	5.61M	7.47M	-37.2M	0	0	0	0	0	0	-55.9M
Net Change in Cash	11.22M	39.59M	173.96M	-183.04M	112.87M	17.94M	229.78M	-207.9M	142.39M	149.91M
Free Cash Flow+	92.79M	130.49M	128.45M	67.27M	87.41M	82.73M	-59.72M	20.97M	177.22M	295.13M
FCF Margin %	21.86%	25.37%	19.43%	9.35%	11.77%	11.13%	-7.35%	2.32%	18.07%	24.54%
FCF Growth %	61.72%	40.63%	-1.57%	-47.63%	29.94%	-5.35%	-172.18%	135.11%	745.2%	66.53%
FCF per Share	1.26	1.73	1.65	0.81	1.05	0.99	-0.71	0.26	2.15	3.44
FCF Conversion (FCF/Net Income)	6.67x	6.46x	-7.14x	5.60x	-4.16x	-1.68x	0.21x	-0.34x	-32.07x	4.31x
Interest Paid	0	0	0	5.04M	5M	5M	5M	5M	5M	11.8M
Taxes Paid	3.91M	3.7M	4.74M	4.56M	4.89M	4.16M	4.32M	5.17M	8.92M	7.56M

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	2.03%	2.53%	-1.7%	1.38%	-1.68%	-4.15%	-12.04%	-8.44%	-0.48%	4.99%
Return on Invested Capital (ROIC)	2.38%	3.35%	-0.57%	0.08%	-1.06%	-4.68%	-10.14%	-8.73%	-3.17%	2.27%
Gross Margin	64.23%	61.83%	53.86%	54.92%	54.46%	52.41%	46.42%	50.61%	59.5%	62.54%
Net Margin	3.53%	4.13%	-2.97%	2.88%	-3.66%	-8.95%	-22.2%	-12.35%	-0.62%	5.81%
Debt / Equity	-	-	0.21x	0.20x	0.28x	0.30x	0.33x	0.37x	0.33x	0.49x
Interest Coverage	-	-	-1.14x	0.08x	-1.33x	-5.64x	-10.26x	-22.26x	-7.80x	3.11x
FCF Conversion	6.67x	6.46x	-7.14x	5.60x	-4.16x	-1.68x	0.21x	-0.34x	-32.07x	4.31x
Revenue Growth	11.54%	21.17%	28.54%	8.84%	3.17%	0.13%	9.33%	11.41%	8.3%	22.64%

US Stock Screener

...

Guidewire Software, Inc. (GWRE) 10-Year Financial Performance & Capital Metrics

GWRE •

TechnologyApplication SoftwareFinancial services and insurance software

Revenue $1.2B +22.6%
EBITDA $65M +314.2%
Net Income $70M +1243.8%
EPS (Diluted) 0.81 +1191.6%
Gross Margin 62.54% +5.1%
EBITDA Margin 5.39% +274.7%
Operating Margin 3.42% +163.7%
Net Margin 5.81% +1032.7%
ROE 4.99% +1138.6%
ROIC 2.27% +171.6%
Debt/Equity 0.49 +48.9%
Interest Coverage 3.11 +139.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓FCF machine: 24.5% free cash flow margin
✓High quality earnings: Operating CF exceeds net income
✓Strong 5Y sales CAGR of 10.1%

✗Weaknesses

✗Weak momentum: RS Rating 13 (bottom 13%)
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y12.19%

5Y10.13%

3Y13.95%

TTM22.8%

Profit (Net Income) CAGR

10Y21.59%

5Y-

3Y-

TTM205.49%

EPS CAGR

10Y19.19%

5Y-

3Y-

TTM191.67%

ROCE

10Y Avg-2.1%

5Y Avg-4.93%

3Y Avg-3.16%

Latest2.3%

Peer Comparison

Financial services and insurance software

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GWREGuidewire Software, Inc.	12.28B	145.32	179.41	22.64%	7.23%	6%	2.4%	0.49
QTWOQ2 Holdings, Inc.	3.01B	48.12	60.15	14.12%	4.12%	5.09%	6.47%	0.52
FICOFair Isaac Corporation	33.49B	1409.36	53.10	15.91%	31.89%		2.3%
SPNSSapiens International Corporation N.V.	2.43B	43.45	33.68	5.4%	11.4%	12.2%	2.97%	0.13
INTUIntuit Inc.	114.17B	409.03	29.92	15.63%	21.57%	22.78%	5.33%	0.34
OPFIOppFi Inc.	589.26M	9.18	25.50	3.34%	0.68%	1.4%	52.74%	1.42
BLBlackLine, Inc.	2.21B	35.25	24.31	10.74%	3.5%	6.6%	8.52%	1.90
SSNCSS&C Technologies Holdings, Inc.	18.33B	75.29	23.90	6.63%	13.86%	12.2%	9.08%	0.03

Profit & Loss

	Jul 2016	Jul 2017	Jul 2018	Jul 2019	Jul 2020	Jul 2021	Jul 2022	Jul 2023	Jul 2024	Jul 2025
Sales/Revenue+	424.45M	514.28M	661.07M	719.51M	742.31M	743.27M	812.61M	905.34M	980.5M	1.2B
Revenue Growth %	11.54%	21.17%	28.54%	8.84%	3.17%	0.13%	9.33%	11.41%	8.3%	22.64%
Cost of Goods Sold+	151.83M	191.56M	296.78M	324.35M	338.01M	353.71M	435.44M	447.13M	397.14M	450.41M
COGS % of Revenue	35.77%	37.25%	44.89%	45.08%	45.54%	47.59%	53.58%	49.39%	40.5%	37.46%
Gross Profit+	272.61M	317.97M	356.07M	395.16M	404.29M	389.56M	377.18M	458.21M	583.36M	752.05M
Gross Margin %	64.23%	61.83%	53.86%	54.92%	54.46%	52.41%	46.42%	50.61%	59.5%	62.54%
Gross Profit Growth %	16.82%	16.64%	11.98%	10.98%	2.31%	-3.64%	-3.18%	21.48%	27.31%	28.92%
Operating Expenses+	256.18M	296.11M	371.69M	393.69M	428.18M	495.14M	576.62M	607.7M	635.93M	710.99M
OpEx % of Revenue	60.36%	57.58%	56.23%	54.72%	57.68%	66.62%	70.96%	67.12%	64.86%	59.13%
Selling, General & Admin	143.68M	165.79M	200.03M	205.15M	227.6M	293.68M	347.39M	357.95M	366.55M	414.82M
SG&A % of Revenue	33.85%	32.24%	30.26%	28.51%	30.66%	39.51%	42.75%	39.54%	37.38%	34.5%
Research & Development	112.5M	130.32M	171.66M	188.54M	200.57M	201.47M	229.23M	249.75M	269.38M	296.16M
R&D % of Revenue	26.5%	25.34%	25.97%	26.2%	27.02%	27.11%	28.21%	27.59%	27.47%	24.63%
Other Operating Expenses	0	0	0	0	0	0	0	0	0	0
Operating Income+	16.44M	26.61M	-7.33M	1.47M	-23.89M	-105.58M	-199.45M	-149.49M	-52.57M	41.07M
Operating Margin %	3.87%	5.17%	-1.11%	0.2%	-3.22%	-14.21%	-24.54%	-16.51%	-5.36%	3.42%
Operating Income Growth %	-0.34%	61.9%	-127.54%	120.07%	-1723.79%	-342.03%	-88.9%	25.05%	64.83%	178.12%
EBITDA+	25.28M	45.34M	28.28M	41.42M	18.75M	-68.63M	-165.91M	-124.65M	-30.26M	64.83M
EBITDA Margin %	5.96%	8.82%	4.28%	5.76%	2.53%	-9.23%	-20.42%	-13.77%	-3.09%	5.39%
EBITDA Growth %	5.45%	79.35%	-37.62%	46.47%	-54.72%	-465.92%	-141.74%	24.87%	75.72%	314.2%
D&A (Non-Cash Add-back)	8.84M	18.73M	35.61M	39.95M	42.64M	36.95M	33.54M	24.84M	22.31M	23.76M
EBIT	20.78M	28.54M	-1.83M	29.79M	-6.39M	-85.57M	-210.27M	-127.38M	-20.1M	62.61M
Net Interest Income+	4.85M	5.85M	6.84M	12.85M	6.76M	-11.32M	-13.17M	17.67M	36.74M	43.41M
Interest Income	4.85M	5.85M	13.28M	30.18M	24.7M	7.39M	6.28M	24.39M	43.48M	56.63M
Interest Expense	0	0	6.44M	17.33M	17.95M	18.71M	19.45M	6.72M	6.74M	13.21M
Other Income/Expense	4.34M	6.67M	7.35M	10.98M	-445K	1.3M	-30.27M	15.4M	25.73M	8.33M
Pretax Income+	20.78M	33.28M	18K	12.45M	-24.33M	-104.28M	-229.72M	-134.09M	-26.84M	49.4M
Pretax Margin %	4.9%	6.47%	0%	1.73%	-3.28%	-14.03%	-28.27%	-14.81%	-2.74%	4.11%
Income Tax+	5.81M	12.05M	18.47M	-8.28M	2.87M	-37.77M	-49.28M	-22.24M	-20.73M	-20.41M
Effective Tax Rate %	72.06%	63.78%	-109250%	166.5%	111.78%	63.78%	78.55%	83.42%	22.74%	141.32%
Net Income+	14.98M	21.22M	-19.66M	20.73M	-27.2M	-66.51M	-180.43M	-111.86M	-6.1M	69.8M
Net Margin %	3.53%	4.13%	-2.97%	2.88%	-3.66%	-8.95%	-22.2%	-12.35%	-0.62%	5.81%
Net Income Growth %	51.5%	41.72%	-192.65%	205.43%	-231.19%	-144.53%	-171.3%	38.01%	94.54%	1243.77%
Net Income (Continuing)	14.98M	18.07M	-26.74M	20.73M	-27.2M	-66.51M	-180.43M	-111.86M	-6.1M	69.8M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
EPS (Diluted)+	0.20	0.24	-0.25	0.25	-0.33	-0.80	-2.16	-1.36	-0.07	0.81
EPS Growth %	42.86%	20%	-204.17%	200%	-232%	-142.42%	-170%	37.04%	94.54%	1191.64%
EPS (Basic)	0.21	0.24	-0.25	0.25	-0.33	-0.80	-2.16	-1.36	-0.07	0.83
Diluted Shares Outstanding	73.77M	75.33M	77.71M	82.68M	82.86M	83.58M	83.57M	82.18M	82.29M	85.91M
Basic Shares Outstanding	72.03M	74M	77.71M	82.68M	82.86M	83.58M	83.57M	82.18M	82.29M	83.85M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-

Balance Sheet

	Jul 2016	Jul 2017	Jul 2018	Jul 2019	Jul 2020	Jul 2021	Jul 2022	Jul 2023	Jul 2024	Jul 2025
Total Current Assets+	707.67M	679.24M	1.22B	1.33B	1.34B	1.36B	1.25B	1.1B	1.3B	1.51B
Cash & Short-Term Investments	628.24M	573.2M	1.07B	1.12B	1.13B	1.12B	976.17M	798.68M	1B	1.15B
Cash Only	223.58M	263.18M	437.14M	254.1M	366.97M	384.91M	606.3M	401.81M	547.99M	699.1M
Short-Term Investments	404.65M	310.03M	630.01M	870.14M	766.53M	734.52M	369.87M	396.87M	455.58M	451.54M
Accounts Receivable	62.79M	79.43M	131.53M	184.77M	174.77M	192.92M	227.45M	256.49M	242.18M	271.6M
Days Sales Outstanding	54	56.38	72.63	93.73	85.93	94.74	102.16	103.41	90.15	82.44
Inventory	0	0	0	0	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-	-
Other Current Assets	0	0	9.07M	14.04M	17.99M	22.61M	24.81M	22.67M	24M	86.37M
Total Non-Current Assets+	208.51M	399.66M	756.09M	831.99M	1.02B	966.56M	1.01B	928.28M	930.76M	1.21B
Property, Plant & Equipment	12.96M	14.38M	18.59M	65.81M	169.03M	177.51M	171.03M	106.87M	99.16M	99.75M
Fixed Asset Turnover	32.76x	35.77x	35.55x	10.93x	4.39x	4.19x	4.75x	8.47x	9.89x	12.06x
Goodwill	30.08M	141.85M	340.88M	340.88M	340.88M	340.88M	372.19M	372.21M	372.21M	393.98M
Intangible Assets	14.2M	71.31M	95.65M	66.54M	39.71M	19.74M	21.36M	14.47M	9.01M	12.04M
Long-Term Investments	107.56M	114.58M	201.62M	224.2M	301.94M	230.72M	205.53M	156.55M	148.29M	334.42M
Other Non-Current Assets	12.34M	20.1M	11.85M	44.26M	68.52M	59.28M	52.62M	51.3M	49.01M	76.26M
Total Assets+	916.18M	1.08B	1.98B	2.17B	2.36B	2.32B	2.27B	2.03B	2.23B	2.72B
Asset Turnover	0.46x	0.48x	0.33x	0.33x	0.31x	0.32x	0.36x	0.45x	0.44x	0.44x
Asset Growth %	14.53%	17.76%	83.39%	9.52%	9.13%	-1.82%	-2.37%	-10.54%	9.78%	22.23%
Total Current Liabilities+	119.08M	163.62M	225.19M	232.27M	225.2M	300.31M	337.52M	373.26M	837.63M	544.8M
Accounts Payable	9.93M	13.42M	30.64M	34.26M	22.63M	27.83M	40.44M	34.63M	15.21M	28.8M
Days Payables Outstanding	23.87	25.56	37.68	38.55	24.44	28.72	33.9	28.27	13.98	23.34
Short-Term Debt	0	0	0	0	0	0	0	0	398.9M	10.44M
Deferred Revenue (Current)	60.27M	91.24M	114.14M	108.3M	118.31M	138.7M	170.78M	206.92M	281.86M	340.25M
Other Current Liabilities	48.88M	58.96M	80.42M	79.73M	62.85M	107.84M	96.92M	112.82M	118.01M	16.67M
Current Ratio	5.94x	4.15x	5.43x	5.75x	5.96x	4.51x	3.71x	2.95x	1.55x	2.77x
Quick Ratio	5.94x	4.15x	5.43x	5.75x	5.96x	4.51x	3.71x	2.95x	1.55x	2.77x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	13.16M	22M	329.66M	360.49M	482.89M	476.64M	477.72M	455.16M	45.93M	719.07M
Long-Term Debt	0	0	305.13M	317.32M	330.21M	343.82M	358.22M	397.17M	0	674.57M
Capital Lease Obligations	0	0	0	0	119.41M	115.37M	105.12M	42.97M	34.72M	30.69M
Deferred Tax Liabilities	0	0	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	3.42M	2.11M	774K	19.64M	18.59M	10.2M	6.88M	9.03M	7.58M	9.28M
Total Liabilities	132.24M	185.62M	554.85M	592.76M	708.08M	776.95M	815.24M	828.42M	883.56M	1.26B
Total Debt+	0	0	305.13M	317.32M	460.55M	470.82M	475.58M	448.58M	442.92M	715.69M
Net Debt	-223.58M	-263.18M	-132.01M	63.22M	93.58M	85.91M	-130.73M	46.76M	-105.07M	16.59M
Debt / Equity	-	-	0.21x	0.20x	0.28x	0.30x	0.33x	0.37x	0.33x	0.49x
Debt / EBITDA	-	-	10.79x	7.66x	24.56x	-	-	-	-	11.04x
Net Debt / EBITDA	-8.84x	-5.80x	-4.67x	1.53x	4.99x	-	-	-	-	0.26x
Interest Coverage	-	-	-1.14x	0.08x	-1.33x	-5.64x	-10.26x	-22.26x	-7.80x	3.11x
Total Equity+	783.93M	893.28M	1.42B	1.57B	1.66B	1.54B	1.45B	1.2B	1.34B	1.46B
Equity Growth %	13.71%	13.95%	59.38%	10.57%	5.24%	-6.75%	-6.04%	-17.37%	11.94%	8.53%
Book Value per Share	10.63	11.86	18.32	19.04	20.00	18.48	17.37	14.60	16.32	16.96
Total Shareholders' Equity	783.93M	893.28M	1.42B	1.57B	1.66B	1.54B	1.45B	1.2B	1.34B	1.46B
Common Stock	7K	8K	8K	8K	8K	8K	8K	8K	8K	8K
Retained Earnings	47.83M	69.06M	133.5M	190.05M	162.96M	-66.1M	-283.98M	-617.95M	-624.05M	-554.25M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Accumulated OCI	-6.59M	-5.8M	-7.75M	-7.76M	-5.25M	-6.22M	-19.84M	-13.86M	-12.24M	-8.92M
Minority Interest	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Jul 2016	Jul 2017	Jul 2018	Jul 2019	Jul 2020	Jul 2021	Jul 2022	Jul 2023	Jul 2024	Jul 2025
Cash from Operations+	99.9M	137.16M	140.46M	116.13M	113.07M	111.59M	-37.94M	38.4M	195.75M	300.87M
Operating CF Margin %	23.54%	26.67%	21.25%	16.14%	15.23%	15.01%	-4.67%	4.24%	19.96%	25.02%
Operating CF Growth %	56.89%	37.3%	2.4%	-17.32%	-2.64%	-1.31%	-134%	201.2%	409.83%	53.7%
Net Income	14.98M	21.22M	-19.66M	20.73M	-27.2M	-66.51M	-180.43M	-111.86M	-6.1M	69.8M
Depreciation & Amortization	8.84M	18.73M	35.61M	39.95M	42.64M	36.95M	33.54M	24.84M	22.31M	23.76M
Stock-Based Compensation	66.13M	71.79M	89.61M	91.52M	101.82M	115.01M	137.01M	142.84M	146.46M	161.56M
Deferred Taxes	-4.57M	-1.23M	15.34M	-14M	-11.86M	-35.79M	-54.12M	-27.52M	-26.85M	-31.78M
Other Non-Cash Items	-4.59M	-6.01M	4.16M	10.81M	32.67M	32.72M	35.46M	24.15M	7.26M	66.22M
Working Capital Changes	19.11M	37.4M	23.67M	-32.89M	-25.01M	29.2M	-9.4M	-14.06M	52.67M	11.31M
Change in Receivables	-75K	-9.75M	-40.83M	-32.4M	-14.25M	-8.37M	-24.44M	-20.74M	20.31M	-42.28M
Change in Inventory	0	0	0	0	0	0	0	0	0	0
Change in Payables	603K	1.31M	16.79M	-5.52M	-1.21M	3.63M	13.58M	-6.08M	-18.93M	11.4M
Cash from Investing+	-101.25M	-113.34M	-537.58M	-301.43M	-5.8M	64.19M	312.21M	12.71M	-52.36M	-236.97M
Capital Expenditures	-7.11M	-6.67M	-12.01M	-48.86M	-25.66M	-28.85M	-21.78M	-17.43M	-6.36M	-5.74M
CapEx % of Revenue	1.68%	1.3%	1.82%	6.79%	3.46%	3.88%	2.68%	1.92%	0.65%	0.48%
Acquisitions	-39.53M	-187.59M	-130.06M	3.94M	4.28M	9.85M	-43.83M	10.84M	0	-26.85M
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	-54.61M	80.13M	-398.13M	-3.94M	-4.28M	-9.85M	0	-10.84M	-13.5M	-12.81M
Cash from Financing+	13.45M	14.63M	573M	3.95M	4.96M	-159.39M	-37.34M	-261.58M	1.05M	82.29M
Debt Issued (Net)	0	0	387.24M	0	0	0	0	0	0	134.29M
Equity Issued (Net)	1000K	1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K	1000K	1000K
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-1.49M	0	0	0	0	-161.32M	-37.45M	-261.81M	0	0
Other Financing	5.61M	7.47M	-37.2M	0	0	0	0	0	0	-55.9M
Net Change in Cash	11.22M	39.59M	173.96M	-183.04M	112.87M	17.94M	229.78M	-207.9M	142.39M	149.91M
Free Cash Flow+	92.79M	130.49M	128.45M	67.27M	87.41M	82.73M	-59.72M	20.97M	177.22M	295.13M
FCF Margin %	21.86%	25.37%	19.43%	9.35%	11.77%	11.13%	-7.35%	2.32%	18.07%	24.54%
FCF Growth %	61.72%	40.63%	-1.57%	-47.63%	29.94%	-5.35%	-172.18%	135.11%	745.2%	66.53%
FCF per Share	1.26	1.73	1.65	0.81	1.05	0.99	-0.71	0.26	2.15	3.44
FCF Conversion (FCF/Net Income)	6.67x	6.46x	-7.14x	5.60x	-4.16x	-1.68x	0.21x	-0.34x	-32.07x	4.31x
Interest Paid	0	0	0	5.04M	5M	5M	5M	5M	5M	11.8M
Taxes Paid	3.91M	3.7M	4.74M	4.56M	4.89M	4.16M	4.32M	5.17M	8.92M	7.56M

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	2.03%	2.53%	-1.7%	1.38%	-1.68%	-4.15%	-12.04%	-8.44%	-0.48%	4.99%
Return on Invested Capital (ROIC)	2.38%	3.35%	-0.57%	0.08%	-1.06%	-4.68%	-10.14%	-8.73%	-3.17%	2.27%
Gross Margin	64.23%	61.83%	53.86%	54.92%	54.46%	52.41%	46.42%	50.61%	59.5%	62.54%
Net Margin	3.53%	4.13%	-2.97%	2.88%	-3.66%	-8.95%	-22.2%	-12.35%	-0.62%	5.81%
Debt / Equity	-	-	0.21x	0.20x	0.28x	0.30x	0.33x	0.37x	0.33x	0.49x
Interest Coverage	-	-	-1.14x	0.08x	-1.33x	-5.64x	-10.26x	-22.26x	-7.80x	3.11x
FCF Conversion	6.67x	6.46x	-7.14x	5.60x	-4.16x	-1.68x	0.21x	-0.34x	-32.07x	4.31x
Revenue Growth	11.54%	21.17%	28.54%	8.84%	3.17%	0.13%	9.33%	11.41%	8.3%	22.64%

Guidewire Software, Inc. (GWRE) 10-Year Financial Performance & Capital Metrics

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Price & Volume

Growth Metrics

Revenue CAGR

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Revenue History

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Guidewire Software, Inc. (GWRE) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare GWRE vs Peers

vs INTU

vs FICO

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Key Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios